Real-Life Solutions with IUL

Most people have no idea how expensive long-term care services are. According to a 2017 report from the U.S. Department of Health and Human Services, almost 70 percent of people over age 65 will require chronic care later in life. And, these long-term care services can quickly erode a client’s savings. But what if your client doesn’t qualify for long-term care?

With those clients top of mind, we automatically issue a Chronic Illness Rider on all of our Income Advantage and Lifetime Protection Advantage IULs—with NO additional underwriting requirements! This provides an accelerated death benefit if the insured is unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 consecutive days (as certified by their physician) or experiences severe cognitive impairment.

Read more about this real-life solution that comes with one of our Income Advantage IUL and Life Protection Advantage IUL.